Well this is the first link that came up in my search and it seems to verify what I said. Either way I think we can both agree that 17.99% for someone over 700 is excessive.
http://www.freescore.com/good-bad-cr...ore-range.aspx
Also there's this: http://www.thetruthaboutcreditcards....t-score-range/
760-799 Credit Score
A credit score of 760-799 is considered good to great credit, and will typically result in interest rates and approval rates that a credit score in the 800-850+ bucket would yield. The only difference might be a few more pricing incentives at the 800-850+ range, and a more thorough credit check. But all in all, credit scores in this bucket are considered excellent and you really don’t need to worry if you scores fall in this category. In fact, roughly 27% of the population has a credit score of 750-799 alone.
*High Achievers: FICO now considers individuals with FICO scores above 785 to be in a bracket all their own. It’s unclear if this will create another meaningful scoring threshold for creditors, but I wouldn’t be surprised.
720-759 Credit Score
A credit score in this range isn’t all that different from the 760-799 category, though there are some thresholds for FICO scores of 760 and above. For example, when applying for a mortgage, a borrower with a 760 credit score may secure a slightly lower interest rate than a borrower with a 730 credit score. But it’s unlikely that the 760 credit score will be required for approval. It simply leads to a more favorable interest rate, which means the more creditworthy borrower saves money!
680-719 Credit Score
A score in this bracket is still considered good credit if at the higher end, and average credit if closer to the lower end. Although it’s not perfect, you should still be able to qualify for most loans and auto or rental leases, although interest rates may be a little higher than those offered to borrowers with excellent credit. There will be situations where a credit score in this range will prevent you from getting certain types of financing, such as an A-paper mortgage loan or the lowest auto insurance premium, but it’s certainly not bad credit.



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FUAC
Just pay it off when the bill comes. Should be zero interest if paid in full.

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